Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$7,091Cash toward the purchase price.
Closing costs + prepaids$11,909Not just lender fees.
Before credits & paid funds$18,999The complete starting cash picture.
Estimated remaining funds due at closing
$18,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,090.60
Your down payment$7,090.60
Closing costs + prepaids$11,908.87
Total buyer cash needed$18,999.47
Remaining funds due$18,999.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,740.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$941.50
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$1,702.37
Fees + prepaids$11,908.87
Your down payment is the seller’s equity. You take over the $266,909 balance, so the rest of the $274,000 price is paid at closing. A second mortgage can cover part of it. $18,999.47 is due at closing. Uses and sources reconcile at $285,908.87 each. Not a Closing Disclosure.